I thought it sounded odd as well. However,my boss tells his story about he was paying his loan payments on time every month for years with no problem.Then, he was unemployed and facing some serious financial problems and did not pay on his loan for a little over a year. Once he got back on his feet and started paying he was shocked to see all the late fee's and how much more he had to start paying.

'There are three sides to every story. My side, your side, and the truth. And no one is lying. Memories shared serve each one differently'
-Robert Evans-